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<article article-type="research-article" dtd-version="1.3" xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xml:lang="ru"><front><journal-meta><journal-id journal-id-type="publisher-id">voprecotest</journal-id><journal-title-group><journal-title xml:lang="ru">Вопросы экономики</journal-title><trans-title-group xml:lang="en"><trans-title>Voprosy Ekonomiki</trans-title></trans-title-group></journal-title-group><issn pub-type="ppub">0042-8736</issn><publisher><publisher-name>Voprosy Ekonomiki, NP</publisher-name></publisher></journal-meta><article-meta><article-id pub-id-type="doi">10.32609/0042-8736-2014-5-84-96</article-id><article-id custom-type="elpub" pub-id-type="custom">voprecotest-643</article-id><article-categories><subj-group subj-group-type="heading"><subject>Research Article</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="ru"><subject>ФИНАНСОВАЯ ЭКОНОМИКА</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="en"><subject>FINANCIAL ECONOMICS</subject></subj-group></article-categories><title-group><article-title>Изменение архитектуры банковской отрасли США в результате кризиса 2008-2009 гг.</article-title><trans-title-group xml:lang="en"><trans-title>Changes in the U.S. banking Sector architectureas a Result of 2008-2009 Crisis</trans-title></trans-title-group></title-group><contrib-group><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Захаров</surname><given-names>П. В.</given-names></name><name name-style="western" xml:lang="en"><surname>Zakharov</surname><given-names>P.</given-names></name></name-alternatives><bio xml:lang="ru"><p>к. и. н., ведущий научный сотрудник Центра экономических исследований Российского института стратегических исследований (Москва)</p></bio><email xlink:type="simple">paulzah@mail.ru</email><xref ref-type="aff" rid="aff-1"/></contrib></contrib-group><aff-alternatives id="aff-1"><aff xml:lang="ru"><institution>Российский институт стратегических исследований (Москва)</institution><country>Россия</country></aff><aff xml:lang="en"><institution>Russian Institute for Strategic Studies (Moscow, Russia)</institution><country>Russian Federation</country></aff></aff-alternatives><pub-date pub-type="collection"><year>2014</year></pub-date><pub-date pub-type="epub"><day>20</day><month>05</month><year>2014</year></pub-date><volume>0</volume><issue>5</issue><fpage>84</fpage><lpage>96</lpage><permissions><copyright-statement>Copyright &amp;#x00A9; Voprosy Ekonomiki, NP, 2014</copyright-statement><copyright-year>2014</copyright-year><copyright-holder xml:lang="ru">Voprosy Ekonomiki, NP</copyright-holder><copyright-holder xml:lang="en">Voprosy Ekonomiki, NP</copyright-holder><license xlink:href="https://www.vopreco.ru/jour/about/submissions#copyrightNotice" xlink:type="simple"><license-p>https://www.vopreco.ru/jour/about/submissions#copyrightNotice</license-p></license></permissions><self-uri xlink:href="https://www.vopreco.ru/jour/article/view/643">https://www.vopreco.ru/jour/article/view/643</self-uri><abstract><p>Финансовый кризис в США привел к значительным изменениям в банковской отрасли. Многие финансовые институты обанкротились и были поглощены конкурентами, другие были вынуждены изменить модель ведения бизнеса. В результате в отрасли произошла консолидация. Существенные перемены были также вызваны реформами, предпринятыми администрацией Б. Обамы, и беспрецедентным вмешательством государства в дела банков.</p></abstract><trans-abstract xml:lang="en"><p>The financial crisis in the USA has led to major changes in the banking sector architecture. Many financial institutions went bankrupt and were absorbed by competitors, while others were compelled to change their business models. That has resulted in consolidation of the banking sector. Significant developments were also imposed by B. Obama’s financial regulation reform and unprecedented interference of the federal government in banking business.</p></trans-abstract><kwd-group xml:lang="ru"><kwd>банки</kwd><kwd>США</kwd><kwd>консолидация</kwd><kwd>финансовый кризис</kwd><kwd>Барак Обама</kwd><kwd>регулирование</kwd></kwd-group><kwd-group xml:lang="en"><kwd>banks</kwd><kwd>USA</kwd><kwd>consolidation</kwd><kwd>financial crisis</kwd><kwd>Barack Obama</kwd><kwd>regulation</kwd></kwd-group></article-meta></front><back><ref-list><title>References</title><ref id="cit1"><label>1</label><citation-alternatives><mixed-citation xml:lang="ru">Рубини Н., Мим С. (2011). Нуриэль Рубини: как я предсказал кризис. Экстренный курс подготовки к будущим потрясениям. М.: Эксмо</mixed-citation><mixed-citation xml:lang="en">Roubini M., Mihm S. (2011). Crisis Economics: A Crash Course in the Future of Finance. 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